The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$64,194
−HK$4,026/mo
▼ 0.25% · 3.875%
HK$66,191
−HK$2,029/mo
Today · 4.125%
HK$68,220
baseline
▲ 0.50% · 4.625%
HK$72,371
+HK$4,151/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$136,440/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,415
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$73,331
−HK$1,943/mo
Today · 4.125%
HK$75,274
baseline
▲ 0.50% · 4.625%
HK$79,242
+HK$3,968/mo
Deposit HK$14.08M · loan HK$14.08M · min. income ≈ HK$150,548/mo (50% DSR)
Upfront cash ≈ HK$15.27M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,033
−HK$4,831/mo
▼ 0.25% · 3.875%
HK$79,429
−HK$2,435/mo
Today · 4.125%
HK$81,864
baseline
▲ 0.50% · 4.625%
HK$86,845
+HK$4,981/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$163,728/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,699
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$87,997
−HK$2,332/mo
Today · 4.125%
HK$90,329
baseline
▲ 0.50% · 4.625%
HK$95,090
+HK$4,761/mo
Deposit HK$11.26M · loan HK$16.89M · min. income ≈ HK$180,658/mo (50% DSR)
Upfront cash ≈ HK$12.46M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,872
−HK$5,636/mo
▼ 0.25% · 3.875%
HK$92,667
−HK$2,841/mo
Today · 4.125%
HK$95,508
baseline
▲ 0.50% · 4.625%
HK$101,319
+HK$5,811/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$191,016/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,982
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$102,663
−HK$2,720/mo
Today · 4.125%
HK$105,383
baseline
▲ 0.50% · 4.625%
HK$110,938
+HK$5,555/mo
Deposit HK$8.45M · loan HK$19.71M · min. income ≈ HK$210,766/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$115,550
−HK$7,246/mo
▼ 0.25% · 3.875%
HK$119,144
−HK$3,652/mo
Today · 4.125%
HK$122,796
baseline
▲ 0.50% · 4.625%
HK$130,267
+HK$7,471/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$245,592/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$128,548
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$131,995
−HK$3,498/mo
Today · 4.125%
HK$135,493
baseline
▲ 0.50% · 4.625%
HK$142,635
+HK$7,142/mo
Deposit HK$2.82M · loan HK$25.34M · min. income ≈ HK$270,986/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$1,196,469 · Scale 2, in force from 26 Feb 2026)